You Have The Right To A Free Credit Report
From AnnualCreditReport.com or 877-322-8228.
The ONLY Authorized Source Under Federal Law.
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Maintaining a Good Credit Report
Is Both Prudent and Wise
A Detailed Picture of Your Credit History!
Review Your Credit Report and Credit Score
In much the same way that a resume shows your work experience to a prospective employer, a credit report provides prospective lenders and creditors, as well as employers and insurers, with a detailed picture of your credit history. Like a resume, a credit report can influence whether you will receive what you are applying for.
Ideally, your credit report is an accurate, up-to-date reflection of your credit history. However, since we don't live in an ideal world, there are many reasons that your credit report could contain inaccuracies that might prevent you from receiving the credit you deserve. The good news is you can take action to keep your report accurate. Here are the top five reasons why you should make a practice of regularly reviewing your credit report:
Inaccurate Data and Mixed Up Credit Files
Many of the inaccuracies on a credit report are the result of simple human error, and therefore are not difficult to dispute. Of course, if you don't order your credit report, you might never know about it. Whether the inaccuracies relate to late payments, payments that are not credited, or data mixed in from someone else's credit file with a name similar to yours, you will want to contact the credit bureau to dispute inaccurate information as soon as possible.
Tracking Payments Regularly
One of the most important aspects of your credit rating is having a history of on-time payments. Once you mail out a check or make a payment, anything can happen—and a delay in the payment being received can kick you over to a 30-day delinquency. If you call your creditor and explain the situation, they may adjust the information. However,, if you don't check your credit report, you won't know which payments are being received and reported properly.
This issue alone is reason to order your credit report immediately. Identity theft is an insidious crime, involving a thief who assumes your name to open new accounts, divert your card statements to another address, and run up all sorts of bad debt without you ever knowing about it until collectors come calling. Over time, identity theft could jeopardize your ability to obtain further credit. The best way to catch a thief who is using your name is by getting a copy of your credit report, which will show you if there are accounts listed you know you haven't opened.
Credit Report Inquiries
If you're shopping around for a lender or credit card, you should know that when creditors check your credit, it places an inquiry on your credit report. Inquiries can add up, which is often interpreted as a negative by creditors. For this reason, too many inquiries can actually make getting credit more difficult. However, if you didn't authorize someone to look at your credit report and they did, they may have broken the law.
Credit Fraud and Unauthorized Charges
Credit fraud involves the theft of a credit card or account number to make unauthorized charges to an account. Though consumers are protected financially from this abuse, creditors may take note of all this activity and decide to raise your interest rates or refuse to grant you a loan. Ordering your credit report will let you see new activity on accounts that you haven't been using or may have closed.
When it comes to managing your credit worthiness, your credit report is your best resource. Ordering your credit report gives you the opportunity to manage your credit wisely today, while planning your credit strategy for achieving future goals—a credit-savvy move every consumer should make!
Free Credit Report Annually
You are legally entitled to a free credit report annually. Under the Fair and Accurate Credit Transactions Act (FACTA) every consumer is entitled to receive a free annual credit report. To comply with this obligation, AnnualCreditReport.com is jointly operated by the three major credit reporting agencies — Experian, Equifax & Transunion.
Please note that this website and our organization does not provide free credit reports. As noted, you have the right to a free annual credit report from AnnualCreditReport.com or 877-322-8228, which is the ONLY authorized source under federal law. To get your free annual credit report go to AnnualCreditReport.com.
Credit Score, Credit Monitoring & Identity Theft
You should be aware that in addition to your credit report, knowing your credit score is also important. Today, many lenders don't even check actual credit reports, instead they just check credit scores and base their decision on that number. While credit reporting agencies are obligated to provide consumers with an annual credit report, they are not obligated to provide them with their credit score —and they don't unless a consumer purchases it from among the various plans that they offer.
Typically, the purchase plans that are offered through the various credit reporting agencies provide a number of valuable services. These services and features may include a copy of your credit score, credit monitoring services, alerts to changes to your credit files, and identity theft protection. These programs are generally offered as a free 30 day trial,with a monthly fee charged for those consumers that do not cancel the service.
Featured Credit Report Articles:
Derogatory information on your credit report can severely damage your chances of qualifying for a loan or a line of credit, be it for a credit card, a mortgage or consumer goodss. Click to read more ...
If you're like most consumers, chances are you have many questions about what information goes into your credit report and who gets to see it. In this article we provide an overview that we hope will address many of your questions and concerns. Click to read more ...
Because so much depends on your credit history and credit score, you should be aware of the pitfalls that can tarnish your financial reputation. Check out this list of mistakes that can significantly affect your credit report and credit score. Click to read more ...
Credit Report and Financial Articles:
How To Dispute Credit Report Errors
Sample Credit Report Dispute Letter
Consequences of an Adverse Credit History
How and Where To Obtain Your Credit Report
What Is Contained In The Typical Consumer Report
How Credit Rating Is Determined
Can Bad Credit Be Deleted From a Credit Report?
How To Build a Credit History
And Establish Credit
What is a Credit Report?
Your Credit Score: FICO. Beacon, Empirica and Fair Isaac
How To Get a FREE Copy of Your Credit Report!
Annual Credit Report
Five Reasons To Check Your Credit Report Regularly
Your Credit Report When Applying For a Mortgage or Credit Card
Do Credit Inquiries Affect Your Credit Score?
Equifax: Consumer Credit Reporting Agency
Experian: Consumer Credit Reporting Agency
TransUnion: Consumer Credit Reporting Agency
About Credit Bureaus (Consumer Reporting Agencies)
About Dun and Bradstreet
About Collection Agencies
Understanding Your Credit Score
Why Check Your Credit Report?
Facts About Credit Scores
Your Credit Record: A Report Card On Your Personal Finances
5 Quick Steps To a Better Credit Score
Do Credit Inquiries Affect Your Credit Score?
Seasoned Trade Line: Piggybacking
Rampant Myths About Credit Reporting
Top 5 Credit Score Misconceptions
Applying for a Loan? Start by Ordering Your Credit Report
Bad Checks: Bad News For Your Check Record
Effect of a Debt Management Program on Your Credit Report
Guard Against Identity Theft: Protect Personal Information
Fight Back Against Identity Theft And Credit Fraud
Can Consumers Fight Back Against Credit Fraud?
Monitoring Your Credit Report Help Guard Against ID Theft
Federal Laws Protecting You And Your Credit Files
About Identity Theft: What Is Identity Theft
Credit Repair Primer
Answers To Common Credit Repair Questions
Legal Credit Repair Methods
Call The Credit Bureaus To Limit Unsolicited Offers
Credit Risk versus Creditworthiness
Why Has My Credit Application Been Rejected?
Call the Credit Bureaus To Limit Unsolicited Offers
Mortgage Preparation Tips
Fair and Accurate Credit Transactions Act
Credit Repair Scams: Don't Become A Victim!
File Segregation: A New Credit Repair Scam
The Credit Practices Rule
16 Illegal Creditor Actions
Credit and Your Consumer Rights
Summary of Your Rights Under The Fair Credit Reporting Act
Summary of Your Rights Under The Fair Credit Billing Act
Summary of Your Rights: The Fair Debt Collection Practices Act
Summary of Your Rights: The Equal Credit Opportunity Act
The Fair Debt Collection Practices Act
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